Uninsurable scenarios
Please see the Underwriting and Product Guidelines at the beginning of this guide for a side-by-side view of product details and knockout conditions.
While nearly all applicants are insurable at Ethos, the following conditions may make customers ineligible for various policies available through Ethos:
Terminal illness HIV/AIDu Uncontrolled diabetes Current confinement or admission to a hospita Pending criminal charges or conviction of a felony or multiple misdemeanors within the past two yearp Disability requiring assistance with care and activities of daily livin~ Hospitalization two or more times within the past six monthp Unexplained weight change of greater than 15 pounds within the past six monthp
Hypertension with complications within the past two yearp Any of the following diagnosed within the past two years:
Á Canceµ Á Mental/psychiatric condition´ Á Stroke (all types Á Paralysi´ Á Brain or nervous system disease or disorder, including Alzheimer’s disease, dementia, and Lou Gehrig’s disease (ALS
Á Lung disease or disordeµ Á Liver disease or disordeµ Á Kidney disease or disordeµ Á Systemic Lupus (SLE Á Muscular dystrophª Á Organ transplan¿ Á Aneurys¦ Á Amputatio· Á Illegal drug us» Á Alcohol and/or drug abuse
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